Paul McFadyen

The rules around filling in a gap in your National Insurance (NI) record are changing. From 5 April 2023, you will only be able to make […]

Recently, you may have read headlines about how pension funds were close to collapsing. Naturally, you may be worried about your retirement savings and what protection […]

It has been a tumultuous year in British politics, with three prime ministers and four chancellors holding office. After the calamitous “mini-Budget” ushered in the demise […]

The “boomerang” trend isn’t new, but the soaring cost of living means that far more adult children that have been living independently are considering moving back […]

Figures suggest that many households aren’t saving enough to be financially secure in retirement. Calculating what income you’d need to reach retirement goals before the milestone […]

Reducing your energy consumption can be a great way to cut your carbon footprint, lessening your personal impact on the environment and potentially helping to limit […]

More people are choosing to gift wealth during their lifetime rather than leaving assets as an inheritance. There are benefits to choosing a living legacy, but […]

As the cost of living rises, you may be considering increasing how much you withdraw from your pension. While it could solve short-term challenges, it’s important […]

On 24 September 2022, The Herald newspaper ran a feature on the Spectrum team, our work in the current financial climate and the importance of regular contact. We […]

If you think that insurers don’t pay out when people make claims, you’re far from alone. According to Scottish Widows, just 7% of people think that […]

The cost of living is rising. Reviewing your finances now is crucial for understanding what effect inflation could have on your lifestyle and long-term plans. Inflation […]

It can be easier than you think to lose your retirement savings. In fact, estimates suggest thousands of savers have forgotten about pensions that could support […]